COBRA Insurance

Up to 18 months

COBRA Insurance Image

Keeping Your Current Coverage for up to 18 Months

COBRA coverage is the same group health coverage you had through your last employer. Though your coverage stays the same, the amount you’ll pay for COBRA is higher since your employer no longer shares the monthly cost.

COBRA coverage usually lasts 18 months. But in some cases, it can be extended to 36 months. Also keep in mind that COBRA rules are strict. You’ll need to follow all deadlines to keep your COBRA eligibility. If you have questions about COBRA or how to apply, call your last employer’s benefits manager or COBRA administrator. Your COBRA administrator may not be the same person as your benefits manager.

Choose COBRA coverage if you:

  • Want to stay with your current doctors or specialists
  • Are pregnant or may become pregnant in the next 18 months
  • Have a chronic health issue
  • Have surgery scheduled
  • Regularly fill prescriptions
  • Received a denial after applying for private insurance

In the past, if you had a pre-existing condition, you may have had trouble getting insurance other than COBRA. With the Affordable Care Act, you can buy longer-term health insurance with a pre-existing condition.

To learn about your options, call our Licensed Blue Cross and Blue Shield Agents at 888-909-9987.

Compare Your Options

Short-Term Health Insurance Plans Longer-Term Health Insurance Plans COBRA
Coverage length 1-11 months 12+ months Up to 18 months (or 36 months in rare cases)
Coverage level Basic Major See your COBRA notice2
Option to buy dental coverage No Yes See your COBRA notice2
Preventive care No Yes See your COBRA notice2
Prescription drug program Yes (limited)1 Yes See your COBRA notice2

1See short-term insurance plan details for prescription drug program limits.

2The COBRA plan column shows information that’s typical of COBRA plans. Your COBRA notice will list the benefits you had with that coverage.

COBRA Contacts

In addition to contacting your COBRA administrator and benefits manager, you can also contact these resources:

If you worked for:

State or Local Government

Department of Labor
1-877-267-2323, ext. 61565

Federal Government

Office of Personnel Management

Private company (non-government)

Department of Labor
or 1-866-444-3272

Smart Tip

Check with your spouse or partner to see if you can join his or her employer's health insurance plan. You must apply within 30 days of losing your coverage.

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